--- title: "Heffernan Insurance Brokers vs Liberty Mutual: Employment Practices Liability Insurance" description: "Heffernan’s 2016 EPL article advises buyers to ask about wage-and-hour, immigration and hammer-clause provisions, and describes policies as modular." canonical: "https://spot.insure/compare/heffernan-vs-liberty-mutual/employment-practices" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "heffernan-vs-liberty-mutual" provider-a: "heffernan" provider-b: "liberty-mutual" coverage-line: "employment-practices" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/heffernan-vs-liberty-mutual/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers and Liberty Mutual for Employment Practices Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Employment Practices Liability Insurance questions about Heffernan Insurance Brokers versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Heffernan Insurance Brokers vs Liberty Mutual for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Heffernan Insurance Brokers or Liberty Mutual? - What does Heffernan Insurance Brokers or Liberty Mutual publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from Heffernan Insurance Brokers or Liberty Mutual? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Heffernan Insurance Brokers and Liberty Mutual. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Heffernan Insurance Brokers vs Liberty Mutual](https://spot.insure/compare/heffernan-vs-liberty-mutual) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence) - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [Heffernan Insurance Brokers vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-liberty-mutual/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Crime Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/heffernan-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/medical-malpractice) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Surety Bonds](https://spot.insure/compare/heffernan-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) # Heffernan Insurance Brokers vs Liberty Mutual: How Do They Compare for Employment Practices Liability Insurance? Heffernan’s 2016 EPL article advises buyers to ask about wage-and-hour, immigration and hammer-clause provisions, and describes policies as modular. ## How to Use the Heffernan Insurance Brokers vs Liberty Mutual Employment Practices Liability Insurance Comparison Use this comparison to evaluate Heffernan Insurance Brokers and Liberty Mutual for Employment Practices Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Heffernan Insurance Brokers vs Liberty Mutual Employment Practices Liability Insurance Summary Heffernan’s 2016 EPL article advises buyers to ask about wage-and-hour, immigration and hammer-clause provisions, and describes policies as modular. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") [10](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## What Is Heffernan Insurance Brokers? Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [1](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) ## What Is Liberty Mutual Business Insurance? Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [8](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [9](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is Employment Practices Liability Insurance? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [11](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [12](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [13](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## What Are the Key Differences Between Heffernan Insurance Brokers and Liberty Mutual Employment Practices Liability Insurance? ### Claims and scope in the reviewed records Heffernan’s 2016 EPL article advises buyers to ask about wage-and-hour, immigration and hammer-clause provisions, and describes policies as modular. Liberty Mutual’s current overview identifies selected third-party coverage in ProShield but does not detail those provisions. The Heffernan article is historical guidance, not evidence of current market terms; employers should use it as a checklist and verify the wording insurers offer today. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") [10](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ### Placement and policy structure Heffernan places coverage with insurers rather than underwriting it, while Liberty Mutual presents EPL inside its ProShield management-liability package. That means the Heffernan route shops forms across carriers; ProShield’s proposal should identify the applicable insurer and package components. Neither provider overview alone establishes how wage-and-hour defense or settlements will be treated in a specific quote. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [10](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## What Should You Confirm in Heffernan Insurance Brokers and Liberty Mutual Employment Practices Liability Insurance Quotes? - Which current insurer and endorsement language address wage-and-hour, immigration and hammer clauses in Heffernan’s placement? Does ProShield include third-party claims and wage-and-hour protection? What sublimits, aggregate and settlement-consent terms appear in the forms? ## Heffernan Insurance Brokers vs Liberty Mutual Employment Practices Liability Compared | Criteria | Heffernan Employment Practices Liability Insurance | Liberty Mutual ProShield Employment Practices Liability | | --- | --- | --- | | Role in This Line | Heffernan places employment practices liability (EPL) coverage as part of its corporate and executive-protection lineup within its general business-insurance brokerage. It shops and places the policy with insurers rather than underwriting it. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance Brokerage page listing; no policy form or dedicated EPL product page was found..) | Liberty Mutual includes employment practices liability in its ProShield management-liability package. [10](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Issuing Insurer | The reviewed pages do not name the insurer or insurers that issue EPL policies Heffernan places. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: Business Insurance Brokerage page as read on 2026-09-23..) | Confirm in your quote. | | Who It’s For | EPL appears in three separate parts of Heffernan's site: the general business-insurance page, the home-care agency practice, and the family-office/financial-firm practice, indicating it is offered to a range of business types rather than one narrow niche. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/business-insurance/health-care/homecare/ "Home Care Business Insurance") [5](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Direct practice-page listings; the pages do not publish a minimum size or industry restriction for EPL specifically..) | The source scopes the package to private and not-for-profit organizations and lists coverage for certain workers and volunteers; a quote is needed to establish applicant eligibility. [10](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Coverage Features | In a 2016 article, Heffernan advisor Tanner Fornesi says EPL policies are modular and recommends buyers specifically request wage-and-hour coverage, a 100% hammer clause (so the insurer, not the policyholder, bears settlement costs above an offer the policyholder declines), and an immigration claim endorsement. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") (Evidence: Company-reported; scope: 2016 educational article about EPL coverage generally, not a current Heffernan product specification; endorsement availability depends on the carrier and current market terms..) | The page describes protection for the financial impact of employment-related lawsuits and lists selected features including third-party coverage; exact definitions and exclusions depend on the policy. [10](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | Limits and Retentions | The same 2016 article says wage-and-hour EPL sublimits were then commonly $100,000, with some carriers offering $150,000 to $250,000 for additional premium. [7](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/ "Employment Practices Liability 101: What You Need to Know") (Evidence: Company-reported; scope: Market commentary in a 2016 article, not a current quote or a limit Heffernan guarantees today..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [10](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) | | Risk Services | Confirm in your quote. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [10](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) | | How to Apply | The reviewed pages describe no EPL-specific application or online quote process; buyers reach the coverage through Heffernan's general business-insurance brokerage contact route. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not found in reviewed sources; scope: Business Insurance Brokerage page as read on 2026-09-23..) | Confirm in your quote. | | Claims Support | Heffernan's published claims-advocacy services cover workers' compensation, general liability, auto, and property claims; the page does not list employment-related claims handling as part of that service. [6](https://www.heffins.com/business-insurance/claims-advocacy/ "Claims Advocacy") (Evidence: Not found in reviewed sources; scope: Claims Advocacy page as read on 2026-09-23; does not establish that EPL claims receive no support, only that this page does not describe it..) | Confirm in your quote. | ## Related Pages for Heffernan Insurance Brokers vs Liberty Mutual - [Heffernan Insurance Brokers vs Liberty Mutual](https://spot.insure/compare/heffernan-vs-liberty-mutual): all coverage lines, business roles, service and claims. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection. - [Heffernan Insurance Brokers vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/builders-risk) - [Heffernan Insurance Brokers vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-liberty-mutual/business-owners-policy) - [Heffernan Insurance Brokers vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/cargo-transit) - [Heffernan Insurance Brokers vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/commercial-auto) - [Heffernan Insurance Brokers vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/commercial-property) - [Heffernan Insurance Brokers vs Liberty Mutual Crime Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/crime) - [Heffernan Insurance Brokers vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/cyber) - [Heffernan Insurance Brokers vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/heffernan-vs-liberty-mutual/fidelity-bonds) - [Heffernan Insurance Brokers vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/fiduciary) - [Heffernan Insurance Brokers vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/general-liability) - [Heffernan Insurance Brokers vs Liberty Mutual Medical Malpractice Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/medical-malpractice) - [Heffernan Insurance Brokers vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/professional-errors-omissions) - [Heffernan Insurance Brokers vs Liberty Mutual Surety Bonds](https://spot.insure/compare/heffernan-vs-liberty-mutual/surety-bonds) - [Heffernan Insurance Brokers vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-liberty-mutual/workers-compensation) - [AIG vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/employment-practices) - [AIG vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/employment-practices) - [Alliance Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/employment-practices) - [Alliance Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/employment-practices) - [Amelia Risk vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/employment-practices) - [Amelia Risk vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/employment-practices) ## Sources for Heffernan Insurance Brokers vs Liberty Mutual ### Sources About Heffernan Insurance Brokers 1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16. 2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16. 3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23. 4. [Home Care Business Insurance](https://www.heffins.com/business-insurance/health-care/homecare/). Heffernan Insurance Brokers; We offer comprehensive coverage for: Workers' Compensation Insurance, General and Professional Liability, Employment Practice Liability, Business/Owned Auto, Non-owned and Hired Auto, and more. Accessed 2026-09-23. 5. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; Coverage for Family Offices, Trustees & Financial Firms: Family office liability, D&O, Professional liability, Employment practices liability insurance, Workers' compensation, Employee benefits, Trustee liability, Property and auto, Fiduciary liability, Fidelity/financial institution bond, Cyber, Crime, General liability, Excess liability. Accessed 2026-09-23. 6. [Claims Advocacy](https://www.heffins.com/business-insurance/claims-advocacy/). Heffernan Insurance Brokers; Services We Offer: Workers' Compensation Claims Expertise; Medical Triage Services; General Liability, Auto & Property Claims Support; Online Risk Management & HR Support; Streamlined Vendor Compliance. Accessed 2026-09-23. 7. [Employment Practices Liability 101: What You Need to Know](https://www.heffins.com/employment-practices-liability-101-what-you-need-know/). Heffernan Insurance Brokers; May 18, 2016 article by Tanner Fornesi, Assistant Vice President, Heffernan Insurance Brokers; Wage and Hour coverage, 100% Hammer Clause, Immigration Claim Endorsement. Accessed 2026-09-23. ### Sources About Liberty Mutual 8. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29. 9. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29. 10. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29. ### Sources for the Employment Practices Liability Insurance Guide 11. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. 12. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16. 13. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Heffernan Insurance Brokers Review Scores for 2026 Review Score: 5.2 / 10 from 1 rated source, equally weighted. Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business. - Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews). ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/heffernan-vs-liberty-mutual/employment-practices.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)